El Dorado, KS · Charter 68411
NCUA · 1 branch
Q3 2023
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | -0.68% | -0.31% | -0.02% | 0.12% | 0.49% | 0.75% | 0.82% | +84 bps | |
| Return on Equity | -4.65% | -8.33% | -3.77% | -0.21% | 1.33% | 5.68% | 8.08% | 8.19% | +840 bps | |
| Net Interest Margin | 2.98% | 2.95% | 3.04% | 3.20% | 3.23% | 3.51% | 3.86% | 4.10% | +90 bps | |
| Efficiency Ratio | 109.93% | 118.16% | 108.32% | 100.47% | 97.03% | 87.87% | 83.06% | 82.81% | -1,766 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.57% | 1.29% | -1.72% | -4.81% | -3.97% | -1.80% | -4.75% | -5.17% | -36 bps | |
| Loan Growth (YoY) | 14.93% | 11.23% | 12.15% | 18.77% | 21.95% | 18.23% | 21.98% | 12.68% | -610 bps | |
| Share Growth (YoY) | 8.23% | 2.10% | -1.95% | -5.60% | -4.45% | -2.43% | -6.43% | -5.80% | -20 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.07% | 0.57% | 0.00% | 0.07% | 0.05% | 0.01% | 0.19% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.37% | 0.37% | 0.33% | 0.25% | 0.00% | 0.00% | 0.00% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.35% | 8.13% | 8.24% | 8.77% | 8.81% | 8.69% | 9.30% | 10.00% | +123 bps | |
| Net Worth / Assets | 8.35% | 8.13% | 8.24% | 8.77% | 8.81% | 8.69% | 9.30% | 10.00% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.86% | 50.05% | 50.32% | 57.25% | 61.08% | 60.65% | 65.60% | 68.48% | +1,123 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |